Application Deadline:

02/10/2026

Address:
33 Dundas Street West

Job Family Group:

Audit, Risk & Compliance

Join a pioneering team shaping the future of Canadian Retail Credit Strategies.

We're building next-generation, end-to-end credit solutions that span the entire lifecycle-from acquisition and account management to collections-anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) priorities.

Our approach combines cutting-edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer-centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best-in-class decisioning applications, all within a high-performance, customer-focused environment.

If you're passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you.

The Senior Manager, Real Estate Secured Lending Acquisition plays a pivotal role in designing, optimizing, and executing acquisition strategies that drive high-quality growth across the Real Estate Secured Lending portfolio. This role blends strategic thinking with deep credit expertise and analytical execution to deliver sustainable originations, superior customer experience, and portfolio resilience within the organization's risk appetite. In partnership with stakeholders across Product and Risk, the Senior Manager develops scalable, automated strategies anchored in segmentation, model-enabled decisioning, collateral valuation tools, and market insights. This role ensures acquisition strategy evolves with customer behaviour, competitive dynamics, housing market conditions, and regulatory expectations.

Key Responsibilities

Acquisition Strategy Development & Execution

• Design and implement end-to-end acquisition strategies for secured lending, including underwriting criteria, pricing strategies, risk segmentation, treatment paths, and automation logic.
• Use decision engines, decision trees, and optimization tools to differentiate risk and streamline the approval and funding experience.
• Implement strategies that adapt to shifts in interest rates, housing markets, competitor behaviour, and customer demand.

Credit & Collateral Risk Integration

• Apply secured-lending models-including credit scores, property valuation models (AVMs), collateral risk tiers, and early warning indicators-within acquisition strategy logic.
• Ensure strategies appropriately balance borrower risk, collateral risk, and portfolio objectives.

Analytical Insights & Optimization

• Identify opportunities for analytical enhancements, new segmentation methodologies, improved underwriting efficiency, and optimized customer pathways.
• Use data-driven insights to refine risk differentiation, pricing sophistication, and funnel performance (approval → funding).

Champion-Challenger Testing

• Lead structured test-and-learn programs to evaluate alternative offer structures, underwriting treatments, automation enhancements, and referral pathways.
• Measure impact on approval rates, booked yield, funding quality, customer experience, and portfolio performance.

Technology & Deployment Partnership

• Work with Technology and Analytics teams to translate strategy logic into deployable decision rules and automated workflows.
• Ensure operational feasibility, system integrity, and adherence to change-management and governance standards.

Portfolio Monitoring of New Originations

• Deliver insights on acquisition funnel performance, approval quality, booking trends, mix shifts, competitive dynamics, and market forces.
• Recommend proactive strategy refinements to maintain growth within risk appetite.

Governance, Compliance & Policy Alignment

• Ensure acquisition strategy aligns with credit policy, mortgage regulatory requirements, adjudication standards, consumer protection guidelines, and model governance.
• Maintain high-quality documentation and support oversight activities.

Qualifications & Experience

• 5 to 7+ years in Real Estate Secured Lending, mortgage credit strategy, originations, or acquisition-focused risk management.
• Strong understanding of mortgage underwriting fundamentals, collateral risk, and secured-lending regulatory frameworks.
• Experience as a model user (AVMs, credit scores, pricing models, segmentation models).
• Proficiency in decision engines, decision-tree platforms, and analytical tools (SAS, FICO, ML scoring systems).
• Demonstrated ability to convert analytical insights into executable strategies with measurable business impact.
• Experience influencing cross-functional partners and leading strategy initiatives.
• Commitment to innovation, customer-centricity, and continuous improvement.

#FutureOfRetailLending

Salary :

$86,000.00 - $160,000.00

Pay Type:

Salaried

The above represents BMO Financial Group's pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en .

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.